Inside The Plan With The 401(k) Brothers

著者： Bill Bush and Andy Bush
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  • Inside The Plan With The 401(k) Brothers is a production of Horizon Financial Group, located in Baton Rouge, LA. The show handles topics and questions that often arise from participants of company retirement plans. Bill Bush and Andy Bush are indeed brothers, but NOT twins. Registered Representatives offering securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC, a broker/dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity. 15015 Jamestown Boulevard, Suite 100, Baton Rouge, LA 70810
    Horizon Financial Group 15015 Jamestown Boulevard, Suite 100, Baton Rouge, LA 70810
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Inside The Plan With The 401(k) Brothers is a production of Horizon Financial Group, located in Baton Rouge, LA. The show handles topics and questions that often arise from participants of company retirement plans. Bill Bush and Andy Bush are indeed brothers, but NOT twins. Registered Representatives offering securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC, a broker/dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity. 15015 Jamestown Boulevard, Suite 100, Baton Rouge, LA 70810
Horizon Financial Group 15015 Jamestown Boulevard, Suite 100, Baton Rouge, LA 70810
個人ファイナンス 経済学
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  • ITP-Risks in Retirement

    ITP-Risks in Retirement
    2025/03/13
    In this episode of Inside the Plan, the 401(k) Brothers, Bill and Andy Bush, explore the key risks retirees face and the importance of planning ahead to mitigate them. They discuss longevity risk, inflation, healthcare expenses, investment volatility, liquidity concerns, family responsibilities, and public policy changes, providing insights on how to prepare for a secure retirement. Key Takeaways ✔ Longevity Risk – Running out of money before you run out of life. ✔ Inflation Risk – The rising cost of living affects retirement budgets. ✔ Healthcare & Long-Term Care Risk – Increasing medical expenses and the need for caregiving support. ✔ Financial Elder Abuse – A growing threat from scams and even trusted individuals. ✔ Investment Risks – Stock market volatility, interest rate changes, and sequence of return risks. ✔ Liquidity Risk – The importance of keeping accessible cash reserves. ✔ Work-Related Risks – Counting on employment but facing health or job market obstacles. ✔ Loss of a Spouse – Financial and emotional adjustments following a partner’s passing. ✔ Public Policy Risk – Changes in Social Security, Medicare, and tax laws can impact retirement plans. Time-Stamped Chapters & Breakdown 📌 00:00 – Introduction: Why Planning for Risks Matters Bill and Andy introduce the variety of risks retirees face.Overview of how good planning can help navigate unexpected challenges. 📌 01:30 – Longevity Risk: Will Your Money Last? With increasing life expectancies, retirees need to plan for 30+ years of income.Key strategies: Annuities, diversified investments, and sustainable withdrawal rates. 📌 03:15 – Inflation Risk: The Erosion of Purchasing Power Over time, inflation can double the cost of living in retirement.Example: A $5,000/month budget today could need $10,000+ in 20 years.Ways to protect against inflation: Social Security COLAs, inflation-protected investments (TIPS), and adjustable withdrawal strategies. 📌 05:10 – Healthcare & Long-Term Care: The Cost of Aging Medical costs are rising faster than general inflation.70% of retirees will require long-term care assistance at some point. Mitigation strategies: Medicare planning, long-term care insurance, and HSAs (Health Savings Accounts). 📌 07:00 – Investment Risks: Navigating Market Uncertainty Market risk: Stock market volatility can impact retirement savings.Interest rate risk: Rising rates affect bond values and fixed-income investments.Sequence of return risk: A market downturn early in retirement can have long-term consequences.How to mitigate these risks: Diversification, maintaining a cash reserve, and gradual portfolio adjustments. 📌 09:00 – Liquidity Risk: Having Cash When You Need It Some assets, such as real estate or private equity, are not easily converted to cash.Importance of having liquid savings to cover emergencies and unexpected expenses.Balancing liquidity with long-term growth. 📌 10:20 – Financial Elder Abuse: Protecting Yourself from Scams Retirees are common targets for fraud and financial abuse.Warning signs: Unusual account activity, pressure to give money, and sudden changes in estate planning.Ways to stay protected: Trusted contacts, power of attorney, and financial monitoring. 📌 12:00 – Work-Related Risks: Can You Count on Employment? Many retirees assume they’ll be able to work part-time, but health or job market changes may prevent it.Reemployment risk: Older workers may struggle to find new jobs if they need additional income.Plan for financial independence, not reliance on future employment. 📌 13:30 – Family-Related Risks: Unexpected Financial Responsibilities Many retirees end up supporting adult children or grandchildren, impacting their savings.Importance of setting financial boundaries while still helping loved ones. 📌 14:30 – Loss of a Spouse: Emotional & Financial Adjustments The loss of a spouse can create a significant financial shift, especially with Social Security income reduction.Planning ahead: Survivor benefits, estate planning, and joint-and-survivor annuities. 📌 16:00 – Public Policy Risk: How Government Changes Affect You Social Security & Medicare uncertainties – will benefits be reduced in the future?Tax law changes can affect retirement withdrawals and income planning.Staying informed and adapting to new regulations is crucial. 📌 18:00 – Final Thoughts & Key Takeaways Anticipating risks and creating a plan helps mitigate their impact.“Don’t worry alone—worry with us and let’s plan together!” Sound Bites "What if you're still breathing at 95 or 97?""Financial elder abuse could be scams or even people they know taking advantage.""You have to plan and anticipate these risks." Connect with Us 💡 Have questions or concerns about your retirement plan? Don’t navigate these risks alone! Contact us: 📩 Bill Bush – bbush@horizonfg.com 📩 Andy Bush – abush@horizonfg.com...
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    20 分
  • Climbing the Steps to Financial Confidence

    Climbing the Steps to Financial Confidence
    2025/02/03
    In this episode, Bill and Andy Bush discuss the "7 Stages of Financial Well-Being," a concept developed by Money Coaches of Canada. They explore each stage, from financial chaos to financial fulfillment, and provide practical insights into how individuals can move up the financial staircase. With a focus on building confidence and intentionality, this episode is a roadmap for anyone seeking financial freedom and stability. Whether you're in financial chaos or nearing financial fulfillment, Bill and Andy share tips and strategies to help you navigate the emotions, behaviors, and actions needed to reach the next level. Time-Stamped Chapters: 00:08 – Welcome and Introduction: The 7 Stages of Financial Well-Being 02:20 – Defining Financial Confidence and Well-Being 03:30 – Stage 1: Financial Chaos—Understanding the Struggles and Emotions 06:00 – Stage 2: Financial Avoidance—Awareness and Desire to Change 06:50 – Stage 3: Financial Awareness—Taking Charge and Building a Plan 09:00 – Stage 4: Financial Stability—Basics in Place and Moving Forward 11:39 – Stage 5: Financial Security—Following a Plan and Managing Risk 13:55 – Stage 6: Financial Freedom—Living the Life You Want 16:11 – Stage 7: Financial Fulfillment—Spending and Giving Aligned with Values 18:27 – Steps to Move Up the Ladder—Intentional Planning and Guidance 20:00 – How to Seek Help and Resources for Financial Growth Sound Bites: "Financial confidence is about the freedom to make life choices without being overburdened by financial worries.""Organization brings about stability. When you know where everything is, you feel more in control.""If it is to be, it’s up to me.” Moving up the financial ladder starts with taking personal responsibility.""Financial fulfillment is about aligning your money with your values and using it as a tool to achieve your purpose." Main Takeaways: Financial Chaos: Characterized by disorganization, fear, and living paycheck to paycheck. Overcoming this stage requires addressing behavior and habits.Financial Awareness: The first step towards change involves acknowledging the problem and building a plan.Financial Stability: Basics like emergency savings and retirement contributions are in place, but continued effort and organization are key.Financial Fulfillment: At the top of the scale, money is no longer an obstacle but a tool to live a purposeful life aligned with values.Steps to Progress: Planning and intentionality are the antidotes to financial fear, and seeking guidance can provide the clarity needed to move forward. Resources: Money Coaches of Canada – Learn more about the "7 Stages of Financial Well-Being."Horizon Financial Group Resources—Explore tools and resources to improve your financial confidence. Contact Information: Bill Bush – bbush@horizonfg.comAndy Bush – abush@horizonfg.comHorizon Financial Group – Website Disclosures: The views depicted in this material are for information purposes only and are not necessarily those of Cetera Advisors LLC. They should not be considered specific advice or recommendations for any individual. Neither Cetera Advisors LLC nor any of its representatives may give legal or tax advice. Bill Bush and Andy Bush are registered representatives offering securities and advisory services through Cetera Advisors LLC, a broker/dealer and Registered Investment Adviser, member FINRA/SIPC. Cetera is under separate ownership from any other named entity. Address: 15015 Jamestown Boulevard, Suite 100, Baton Rouge, Louisiana 70810.
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    21 分
  • New Year, New Habits: Decluttering Your Life and Finances

    New Year, New Habits: Decluttering Your Life and Finances
    2025/01/08
    Episode Summary: In this episode, the 401(k) Brothers reflect on the start of 2025, discussing the importance of decluttering physical and digital spaces, reviewing financial habits, and setting actionable goals for the future. Bill and Andy emphasize the value of behavior over knowledge in achieving financial success, the importance of budgeting, and the benefits of seeking professional guidance. They encourage listeners to celebrate achievements while staying focused on continuous improvement and planning for their future. Timestamps: [00:08] - Welcome to 2025 Bill and Andy open the episode by reflecting on the rapid passage of time and sharing personal milestones, including Bill’s upcoming 60th birthday. [01:20] - Decluttering at Home Bill talks about repurposing a room during the holidays and how decluttering can create both physical and mental clarity. [03:45] - The Psychological Impact of Tidying Up Andy highlights the connection between physical clutter and mental stress, referencing The Art of Tidying Up and discussing how letting go of unused items can bring freedom. [05:30] - Reflecting on Financial Behaviors The brothers explore how reviewing spending habits can reveal valuable insights. They cite The Psychology of Money by Morgan Housel to stress that financial behavior often matters more than knowledge. [07:15] - Digital Decluttering Bill discusses cleaning out his email inbox and unsubscribing from unnecessary subscriptions, emphasizing the financial and mental benefits. [09:10] - Managing Subscriptions The brothers discuss evaluating and minimizing subscription services to avoid wasteful spending. [11:05] - Budget Reviews and Emergency Funds Andy explains the importance of regularly reviewing your budget to prepare for unexpected expenses and build an emergency fund. [13:20] - Boosting Retirement Contributions Bill encourages listeners to increase retirement savings incrementally to offset inflation and secure a better future. [15:10] - The Power of Celebrating Wins The brothers discuss celebrating small successes to stay motivated, referencing Mel Robbins' The High Five Habit. [17:30] - Seeking Coaching for Financial Success Bill underscores the value of seeking professional advice, whether for fitness or finances, and how it can help overcome challenges. [19:00] - Making Resolutions Stick The brothers share tips for maintaining New Year’s resolutions, stressing the importance of envisioning your future self and staying committed to long-term goals. [21:15] - Sacrifice and Progress Andy discusses the necessity of short-term sacrifices to achieve financial freedom and the role of intentionality in making progress. [22:40] - Closing Thoughts The brothers wrap up with encouragement to prioritize improvement over perfection and take steps toward financial well-being in 2025. Takeaways: Time flies, and it's important to reflect on the past year.Decluttering physical and digital spaces leads to clarity.Financial behaviors often matter more than knowledge.Reviewing spending habits can reveal areas for improvement.Unsubscribing from unnecessary emails can reduce digital clutter.Budget reviews prepare for unexpected expenses.Increasing retirement contributions is a smart financial move.Celebrating small wins motivates continued progress.Forgiveness for past shortcomings allows for new beginnings.Seeking professional help can provide valuable guidance in financial planning. Sound Bites: "It's crazy to believe it's already here.""What do we really use?""Celebrate the wins, but keep going.""You can start anew starting today." Contact Information: Bill Bush: bbush@horizonfg.comAndy Bush: abush@horizonfg.com
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    24 分

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